Patrick, who was 67, got a car loan. He understood the instalments would add up to $8,000. He was upset to find out that the loan totalled $17,000 because it included warranties and fees. There was no evidence that the lender told Patrick of these extra costs. Financial Rights helped Patrick to argue the loan didn’t meet his requirements and objectives, and he couldn’t afford $17,000. Patrick’s debt was reduced to $8,000, he kept the car and negotiated to pay the debt at $100 per fortnight.